Income Protection

Protecting you when you’re out of work

Main Features


Financial Protection

If you are out of work because of an illness or a disability, your income protection cover ensures your financial wellbeing is protected.

Regular Income

If you can’t earn yourself, your income protection gives you an income that is paid out regularly like a wage or salary.

A guaranteed premium

Once you have your income protection cover policy accepted, your premium is guaranteed at that price and won’t rise.

Extremely Flexible

Enjoy the freedom to top up your policy to get additional cover and continued cover if you change jobs.

Great Cover

You can cover up to 75% of your pre-illness earnings, less any Social Welfare Disability Benefit you may also be on.

Tax Deductible

Enjoy tax relief on your income protection premium up to a yearly limit of 40% of your total income.

How do I get Income Protection?

You simply tell us what cover you want. You can do this right now by clicking the button below and entering as much information as you can about the business you have and cover you require.
We’ll then contact you back. We’ll have a quick chat to confirm what you need and see if there is any other information that can help us get the best deal for you and your business.
We’ll then use our years of experience and insider knowledge to go and get you a quote that suits your wants, needs and budget. In most cases, we can source this for small businesses within 5 minutes.
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Who needs Income Protection?

Firstly, ask yourself how your standard of living would be affected if you were in an accident or got so sick you couldn’t work for an extended period of time. Do you have a family that rely on you? Do you currently enjoy a good standard of living? Employees paying PRSI may be able to replace part of this income with the social welfare Illness Benefit or Invalidity Pension. However, these benefits are for quite low amounts. What’s more, if you are self-employed, you may not be covered by these safety nets at all. So, if a drop in income would place significant pressure on your ability to continue to pay your mortgage or meet your day-to-day expenses, you should strongly consider getting income protection.

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How much does Income Protection cost?

The monthly cost of your Income Protection premium depends on a few things. For starters there’s the age you are when you first take out the cover. Then there’s your overall health in general, with smokers being charged more than non-smokers for the same policy. Then there’s how long you want it for and the level of cover you want. And then there’s the job you do and the risk it brings of you becoming ill or disabled as a result of doing it. While there are a few more factors to consider and even some occupations for which you can’t get income protection, you should talk to us today if you are considering getting great value Income Protection.

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Get your quote today

You simply tell us what cover you want. We’ll then contact you to quickly confirm what you need. We’ll then go get your quote and usually get it to you within 5 minutes.

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Other cover you might benefit from

Public / Employers Liability

Professional Indemnity

Commercial Property

Combined Policy (property & liability)

Pensions & Investments

Life Insurance